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最近提前还房贷的人挺多，必大叔的朋友也是其中一员。还在攒首付的必大叔听着朋友口若悬河的向必大叔一笔笔解释能省下多少money，转头又听到他开始长吁短叹存款余额危机，想买点什么都不自由急需支援，实觉想攒点钱的太不容易了

。

你现在有了自己的小房子吗？还是也在攒首付？今天，我们来看看“首付”用英语该怎么说吧。

“首付”的英语表达

1

“（分期付款的）首付款”的正确英语表达是 down payment，付首付可以用 put 或 make 来表示。注意，down payment 是个可数名词。

举个例子

I made/puta down payment on a new smart TV.

说完了“首付款”，我们再来看一个与它意思很类似的单词：deposit 可以表示“预付款，定金”。

举个例子

The shop assistant says if I leave £10 as a deposit, they'll keep the dress for me.

They asked us to put down a deposit.

除此之外，deposit 还可以指“（尤指银行账户的）存款”和“押金”。

举个例子

To open an account, you need to make a minimum deposit of $500.

It costs $2,000 a week to rent the yacht, with a $200 refundable/returnable deposit.

每月还贷都是一笔不小的费用，既然每个月都要和它们打交道，那你知道用英语怎么说吗？

关于“贷款”的英语表达

2

loan 意思是“贷款，借款”，get 和 apply for 和 take out 都可以用来表示申请贷款中的“申请”。

举个例子

She's trying to geta $50,000 loan to start her own business.

We could apply for/take outa loan to buy a car.

loan 这个单词还有“借入；借出”的含义，考高级的同学需要记住，比如：

This exhibit is on loan from/to another museum.

例句中的 on loan = being borrowed/lent

还有一个专门的表达可以表示“按揭，抵押贷款”，特别是购房的贷款：mortgage，所以 a monthly mortgage payment 就是“每月偿付的抵押贷款”。

举个例子

They took out a £40o,000 mortgage (= they borrowed £40o,000) to buy the house.

说到贷款，就不得不提到 credit，我们比较熟悉的是 credit card 信用卡，不过 credit 还有“赊购，赊账，信用贷款”，即强调延迟付款的时间，先购物、后付款（经常会有利息），以及“账面余额，贷方余额”这两个意思也需要记住。

举个例子

The shop was offering six months' credit on electronic goods.

I was relieved to see from my statement that my account was in credit.

（先到先得，限量10份哟！

来源：必克英语